Tamwilcom launches Jossour 2030 to drive MAD 300 billion financing

Yesterday 13:03

By: Dakir Madiha

Tamwilcom launches Jossour 2030 to drive MAD 300 billion financing

Tamwilcom has unveiled its 2026-2030 strategic roadmap, known as “Jossour 2030,” with the goal of mobilizing MAD 300 billion in financing and generating MAD 170 billion in commitments over the next five years. The Moroccan public financial institution also seeks to stimulate more than MAD 60 billion in private investment while supporting the creation of 45,000 jobs each year. By the end of the decade, the initiative aims to reach around 435,000 beneficiaries across the country.

The strategy is built around three core pillars: strengthening guarantee mechanisms, supporting territorial development, and advancing public policy objectives. Tamwilcom plans to expand access to finance for businesses and individuals while using its financial expertise and data resources to support national development priorities. Around 330,000 of the expected beneficiaries are projected to be micro and very small enterprises, reinforcing the institution’s focus on smaller economic actors.

During the launch event in Salé, Tamwilcom Director General Said Jabrani described the plan as the result of extensive collaboration with stakeholders across the financial ecosystem. He said the concept of “Jossour,” meaning bridges, reflects the institution’s role in connecting entrepreneurs with funding sources, development projects with support networks, and regions with economic opportunities. Jabrani also announced immediate measures, including increasing the eligibility ceiling for guarantee programs from companies with turnover of MAD 200 million to those generating up to MAD 500 million. The guarantee rate for loans granted to very small enterprises will also increase from 70% to 75%.

The institution intends to strengthen co-financing initiatives targeting women entrepreneurs, Moroccans living abroad who invest in Morocco, and projects linked to the energy transition. Export financing and supply chain development have also been identified as priority areas. According to Jabrani, employment, financial inclusion, sustainability, and regional development will guide Tamwilcom’s activities throughout the implementation of the strategy.

Minister of Economy and Finance Nadia Fettah said the plan aligns with Morocco’s broader economic and social transformation agenda. She argued that the country has maintained resilience despite global economic disruptions, geopolitical tensions, and successive crises. According to the minister, structural reforms, long-term planning, and macroeconomic stability have helped strengthen Morocco’s competitiveness and investment climate.

Fettah emphasized the central role of the private sector in Morocco’s growth ambitions and stressed that businesses require efficient and inclusive access to financing. She recalled the 2020 reform that transformed the former Caisse Centrale de Garantie into Tamwilcom, positioning the institution as a catalyst for entrepreneurship, investment, and economic expansion. Very small, small, and medium-sized enterprises remain the primary beneficiaries of that transformation and continue to represent a cornerstone of the national economy.

A major component of Jossour 2030 involves adapting financing tools to the specific needs of Morocco’s regions. Tamwilcom plans to move away from a uniform national approach by tailoring guarantee and co-financing products to local economic realities. The institution will also establish a formal impact assessment framework and expand data sharing across the financial sector to improve decision-making and policy effectiveness.

The launch concluded with the signing of two strategic partnership agreements. The first agreement, signed with the Association of Regions of Morocco, focuses on developing financing solutions adapted to the needs of each of the country’s twelve regions. The second, concluded with the Ministry of Economy and Finance and the Professional Group of Moroccan Banks, aims to expand financing for mid-sized companies while reinforcing support for very small, small, and medium-sized enterprises. Together, these partnerships are intended to accelerate the implementation of Jossour 2030 and broaden access to finance across Morocco.